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All Journal Journal of Finance and Islamic Banking Wahana Islamika: Jurnal Studi Keislaman Ihtifaz: Journal of Islamic Economics, Finance, and Banking Journal of Islamic Monetary Economics and Finance ECOPLAN : JOURNAL OF ECONOMICS AND DEVELOPMENT STUDIES Al-Kharaj: Journal of Islamic Economic and Business ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) Khidmatan Etihad: Journal of Islamic Banking and Finance Journal of Islamic Philanthropy and Disaster JoEMS : Journal of Education and Management Studies Margin Eco : Jurnal Ekonomi dan Perkembangan Bisnis Cakrawala: Jurnal Studi Islam Balanca : Jurnal Ekonomi dan Bisnis Islam Abdimas Indonesian Journal Journal of Islamic Economics Lariba DIKTUM: JURNAL SYARIAH DAN HUKUM Moneta: Jurnal Manajemen & Keuangan Syariah Al Rikaz : Jurnal Ekonomi Syariah Indonesia Journal Of Zakat and Waqf Wahana Islamika: Jurnal Studi Keislaman IEFBR: Islamic Economics, Finance, and Banking Review Journal of Finance and Islamic Banking Islamic Financial And Accounting Review Khidmatan Jurnal Ekonomi, Manajemen, dan Bisnis Indonesian Journal of Management & Islamic Business
Multazam Mansyur Addury
Institut Agama Islam Negeri Parepare
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Analyzing Miniso's Marketing Strategy in Attracting Muslim Generation Z Consumers: A Case Study in Parepare, Indonesia Ardanyar Syahar; Multazam Mansyur Addury; Rusnaena Rusnaena; Sulkarnain Sulkarnain; Arwin Arwin; Mawardi Jalil Masri
Jurnal Ekonomi, Manajemen, dan Bisnis Vol. 4 No. 2 (2026): Jurnal Ekonomi, Manajemen dan Bisnis
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Kalibra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70716/emis.v4i2.560

Abstract

This study aims to analyze the marketing strategies implemented by Miniso in attracting Muslim Generation Z consumers in Parepare. The research focuses on product strategy, pricing, promotion, location, distribution, service, transaction processes, and the physical appearance of the store. This study employed a descriptive qualitative approach, with data collected from responses provided by Muslim Generation Z consumers, store employees, and the store manager of Miniso. The data were analyzed through data reduction, data display, and conclusion drawing. The findings reveal that Miniso attracts Muslim Generation Z consumers through products that are cute, aesthetic, unique, functional, and aligned with current trends. The pricing strategy is perceived as affordable and proportional to product quality. Promotional activities are conducted through social media platforms, including WhatsApp groups, Instagram, and TikTok. Friendly employee service, fast transaction processes, digital payment options, comfortable store design, and attractive product displays also serve as important factors influencing consumer purchase intention. These findings indicate that Miniso’s appeal to Muslim Generation Z consumers is shaped not only by its products but also by a practical, visually engaging, and digitally oriented shopping experience that aligns with the lifestyle and consumption patterns of younger generations.
Efficiency in Islamic Rural Banks: What Factors Make Things Worse? Multazam Mansyur Addury; Amar Maruf; Yuniar Lestari
Journal of Finance and Islamic Banking Vol. 8 No. 2 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v8i2.12568

Abstract

This study is designed to conduct an analysis of the efficiency of Islamic Rural Banks IBRs within the Indonesian context and to examine the significant variables that influence efficiency both in Java and outside of Java. This study uses Two-Stage (DEA) Data Envelopment Analysis technique on 83 IBRs in Indonesia with the period used is 2011 - 2023. The results showed that overall, the efficiency of IBRs in Indonesia is relatively low, where only a small portion is considered efficient. The majority of IBRs fall into the Decreasing Returns to Scale (DRS) category, where input expansion leads to a relatively smaller increase in output. The Covid-19 pandemic has also been shown to have a negative and significant effect on the efficiency of IBRs, especially outside Java, while the effect is not significant for IBRs in Java. Return On Assets (ROA) and total assets consistently having a positive impact in the Java region and Indonesia as a whole. This study makes an important contribution to understanding the operational efficiency of IBRs in Indonesia and provides policy recommendations that can strengthen the competitiveness of IBRs, particularly by optimizing asset management, improving operational resilience in areas outside Java, and leveraging regional economic growth.
Mitigating Financial Statement Fraud Through Islamic Professional Ethics in Islamic Microfinance Institutions Nafisatul Chasanah; Multazam Mansyur Addury
Indonesian Journal of Management & Islamic Business Vol. 1 No. 1 (2026): Indonesian Journal of Management & Islamic Business
Publisher : Institut Agama Islam Syubbanul Wathon Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61136/gwf5kv16

Abstract

This study aims to examine the empirical effect of Islamic professional ethics on the propensity for financial statement fraud within Islamic microfinance institutions in Magelang Regency. Utilizing a quantitative approach, primary data was collected via structured questionnaires from 60 frontline accounting practitioners and analyzed using Ordinary Least Squares (OLS) regression analysis with robust diagnostic screening to ensure the non-violation of classical assumptions. The conceptual framework is anchored in the ethical standards codified by AAOIFI, particularly Amanah, integrity, and professional competence. The research findings demonstrate that Islamic professional ethics exerts a statistically significant negative impact on the operational likelihood of fraudulent financial reporting. Furthermore, field diagnostics reveal a high baseline of cognitive ethical compliance among the surveyed practitioners. These results conclusively indicate that deeply internalized religious values shift accounting choices from mere technical regulations into a vertical act of worship, thereby constructing an effective psychological barrier against manipulative tendencies. This study modifies traditional organizational paradigms by validating a spiritually integrated Divine Social Exchange model to structurally suppress fraud in sharia-based micro-financial institutions. Structurally, these findings imply that management and regulators must formalize AAOIFI-based ethical codification and continuous behavioral training to sustain long-term financial integrity.
Co-Authors A. Rio Makkulau Wahyu Abdul Halim Rofi'i Abdul Halim Rofi’i Adi, Sunu Prasetya Ahmad Muhibin Aldy Baharuddin Asia Amar Maruf Amira Husnul Khatimah Anton Priyo Nugroho Aprilia Kinasih Putri Ramadhani, Aprilia Kinasih Putri Ardanyar Syahar Ardi Hidayat Arwin Arwin Arwin Damirah Dian Resky Pangestu Emily Nur Saidy GH, Nur Hishaly Ghufran Januar Herawati, Hasmiah Izzaturrahman, Muh. Dzulfikar Jaswarni Khalid, Salehuddin M. NASRI HAMANG, M. NASRI M. Pudail M.M, Besse Faradiba masri, mawardi jalil Muh. Dzulfikar Izzaturrahman Muhammad Ridwan Muzdalifah Muhammadun, Muzdalifah Nafisatul Chasanah Niila Luthfatul Fauziah Nugroho, Anton Priyo Nugroho, Muhammad Dandi Nur Hishaly GH Nur, Sri Wahyuni Padila, Nur Isma Pangestu, Dian Resky Ramadhan, Fitrah Anugrah RAMADHANI, AMALIYAH Reski Mahmud Rusnaena Rusnaena Salehuddin Khalid Sulkarnain Sulkarnain Sulkarnain Sunu Prasetya Adi Umaima Umaima Umaima Yeni Fitriyani Yuniar Lestari